New Zealand Law
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Hi and welcome. My first response will follow shortly. Please feel free to follow up if anything is not clear.
The NAP procedure may be difficult because of the other debts (which would not be written off). But debt collection agencies dont have any special powers. All that can be done is to get a judgment and then try to enforce this. If this went to Collections they would only order you to pay what you can afford which might be as low as $10 per week.
My worry with this is that the agency will add up to 30% then add court costs. Should I ring the debt agency direct and advise that I want to take the above option of court enforcement?
I've tried to negotiate with Legal Aid regarding the caveat on the property, but they said that they can no longer negotiate and that I have to deal with RNG debt agency direct.